| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR, STE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $11K | $51K | 7.36% |
| MARGARET R WINTERS3 Filed as: MARGARET WINTERS | 6014 GIESEKE DR CRYSTAL LAKE, IL 60014 | AFLAC | $5K | $333 | $6K | 9.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | UNKNOWN CONVERSE, TX 78109 | AFLAC | $2K | $256 | $2K | 3.49% |
| JODY D WINTERS3 Filed as: JODY WINTERS | 6014 GIESEKE DR CRYSTAL LAKE, IL 60014 | AFLAC | $852 | $24 | $876 | 1.37% |
| DON J CONOYER3 | 303 HOGUE LN WYLIE, TX 75098 | AFLAC | $421 | $99 | $520 | 0.82% |
| DONNA PRONTO3 | 1821 IL ROUTE 176 CRYSTAL LAKE, IL 60014 | AFLAC | $203 | $9 | $212 | 0.33% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $182 | — | $182 | 0.29% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 E ROOSEVELT RD, STE 203 WEST CHICAGO, IL 60185 | AFLAC | $143 | — | $143 | 0.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | 35371 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $2K | — | $2K | 3.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW WORK | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET, 7TH FL NEW YORK, NY 10281 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 20.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 544 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,552 | $694K |
| Vision | VISION SERVICE PLAN | 339 | $45K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,552 | $694K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,552 | $694K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,552 | $768K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,552 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.